# NORTH EASTON SAVINGS BANK
SOUTH EASTON, MA · FDIC certificate 90259 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.84B | |
| Deposits | $1.61B | |
| Loans and leases | $1.32B | |
| Total equity | $210.4M | |
| Loans / deposits | 81.91% (p37 of band) | 87.10% |
| Liquid assets / assets | 21.69% (p52 of band) | |
| Uninsured deposits / deposits | 22.38% (p22 of band) | 30.76% |
| Brokered deposits | 1.03% | |
| Wholesale funding | 1.03% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.19% (p64 of band) | 10.50% |
| Unrealized securities loss / equity | -4.96% (p64 of band) | -7.75% |
| AOCI / equity | -1.26% (p12 of band) | |
| ROA (annualized) | 0.76% (p18 of band) | 1.26% |
| Net interest margin | 3.10% (p19 of band) | 3.70% |
| Efficiency ratio | 70.92% (p81 of band) | |
| Noncurrent loans | 1.64% (p87 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p51 of band) | |
| Reserve coverage of noncurrent | 31.84% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 28.37% (p28 of band) | |
| Auto loans | $35.6M (2.69% of loans; DQ 3.15%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 204 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | expense ratio p90 |  |
| 2012-06 | 3 | capital falling |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | expense ratio p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | expense ratio p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent, expense ratio p90, capital falling |
| 2016-06 | 1 | expense ratio p90 |  |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | expense ratio p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | expense ratio p90 |  |
| 2018-03 | 1 |  | expense ratio p90 |
| 2018-06 | 2 | expense ratio p90 |  |
| 2018-09 | 0 |  | reserve under noncurrent, expense ratio p90 |
| 2018-12 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2019-03 | 1 |  | reserve under noncurrent |
| 2019-06 | 2 | reserve under noncurrent |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 0 |  | expense ratio p90, reserve under noncurrent, capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, expense ratio p90 |  |
| 2020-12 | 0 |  | capital falling, expense ratio p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | expense ratio p90 |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | expense ratio p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | capital falling |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | reserve under noncurrent |  |
| 2024-12 | 2 | expense ratio p90 |  |
| 2025-03 | 1 |  | expense ratio p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-11 [BLS ruling sends loud warning to mortgage lenders - Massachusetts Lawyers Weekly](https://news.google.com/rss/articles/CBMimgFBVV95cUxQWmhFYUExdG1CVEpJRjFoVVpTTWd3SlVoaTRQMVlDSDBGelRQWElwWW5BVHlYM3dLYXpqd1h5TkdyVXppRm1XU0tYNGQ0b0hPY1FiN3d3di1CYzRzM0o3VUYzVkRZY0szbDdXVUtydUM5MUVjVTZUTjAzQkUxUDl2UDF4STA0QUhWU19kemxQT1ctV0lUUHZZVFR3?oc=5) · Massachusetts Lawyers Weekly
- 2026-04-28 [Easton police seek woman who fraudulently withdrew thousands from bank account - WJAR](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPNWFUeFhKTlVTYUtLeFEyY0FhUHJlTnE5eTB1NHF5SGZYeXYzTnBBc0YyellPY0JfLWVqMGtWSENjSHIzcHo4c01zY25hN0thX2lpb19WeUVZcHZXblBtTGRvY2RXYU44T2xFWEZzRzBaa1owUUJSbkg2WUNPM1RLYWRyajhCT1Y0VHVHTkVJdUFwYUFYQ1lOajlITk56ZzBKQmNfN2wybGpqaEI3SndVSlNhWnVSSlJ5cWFNc1lyN3BGUQ?oc=5) · WJAR
- 2025-12-10 [For Fourth Consecutive Year, North Easton Savings Bank a Top Place to Work according to The Boston Globe - citybiz](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQUkhaSnV2M2ZMejU0ckVhOUxDeVlwX2w2MVAtSEVOWGZkaHN3UDU3Y1lQWTVienZUQXdIQmFsUTh0Z1I5eDktOWJtanhMcFkxM05VUUZkdngxOXJ2cW9ueGhlS09YR0w3NTAtbnAzVHc1RDZQTnNraVM3Z0J6VUpLbE81by1oam9SM3p1S2VvdzJWakFzTGFCZjNkbXVTOW8xdXlDMkZmY2pOTkhjNWFrWE1CUEZuR1A0SWxrNzdpam1zM0Y2YW9yRXFxa1dtQnM0VnFwVmdoWDR0dw?oc=5) · citybiz
- 2025-11-12 [A Tech Bootcamp: Babson Trains Small Businesses on AI · Babson Thought & Action - Babson College](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBpZkZLc3dqRkdMa3Q0N2MyczFER2JnR0RhVWlDbUpfMXhVWUxNZ2FGcFo2Y3UtbTJqNWstTncwN1ZQcVA5Q20zemFRMThjYUU3ZTdKaFhYNnlLZE9P?oc=5) · Babson College
- 2026-05-02 [Authorities looking for public’s help after mystery woman accused of identity theft, fraud, at bank in Bristol County - Fall River Reporter](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOSFhKR2NIRUJDNm4tWkxpQnp5OGo3ZFV4R0hhdnp3SEFFTGNWTmwyLTdoV3F5Y190UHljT0x1Z0FIUHVIdlRKaG5ZRTVNaXhqUnJERW1aMjJObTVCeGh5a25QbWwyaVFldER6U05ScktoamVzTFRJbW5sWnh2a2ZrVG9vUVVhUkdJY2VHT0lBVGNTZkNtSEdrTGdNVlFxa3A3a2U4NkwtcnBXNTZTUFRSR09RVW84NTh4MTVrTUFSN1Z3enJ6eW83dS1acDJRRWdrZlJ2T2VjcnVZUzE0OGc?oc=5) · Fall River Reporter
- 2026-01-14 [North Easton Savings Bank Named to Newsweek’s America’s Best Regional Banks and Credit Unions for the Second Year in a Row - citybiz](https://news.google.com/rss/articles/CBMi8AFBVV95cUxNbkRKTXp2engwVTlfUzF6N01kVE5odTdnckh4ekV5VnFGVDZvNVZjbjB0dllteU9RZWNFWDhWX3FfSENac1EtaXBQdkhYdV9KNjczQ1ZqcTl0d2tmcEVNSUtYUVYwMVJmaUo0X3RZWHZZLTNhVkRPb1pqZmwyWl9fdV9zTVMzelVObFhQQ2RlblpvWmVSWWxmcnFDSUtoempoeFd5Ujk5THZmbWt1X1hLZ3JzYzV4b25zOG04NEQ3THE5dWtzYzQyV0RTNkRaTE1XdDFfY2lBUUY5WkZTZlZLZWV6ZmNVNm5uMXl1S0c1VXY?oc=5) · citybiz
- 2018-11-06 [North Easton Savings Bank and Mutual Bank Announce Merger Agreement - PR Newswire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOQ3h1ZkJMQUhLMzZqZlEyMlhSVEtfNTUxdnlWOTNtUEFTdmU5UEV0bTZLZlBtRnZ2Nm00NnU0aVI1NlNfdFc2QVNGdWxFbEpoc3BGVGQ1OWZkVW5RekNQQUFfeFVJTnVTZ09nTGI3eERyZ1pnQmRDb1RqQ1ItSjJxNHFGOWRkYkJzUzdZUGZCSnZ6X00wZFFNYzl2UGNXRVRYazRfRU9iMlZnbW9lVWpzZWhHenF5V0VqZ2VvQzZTWGw?oc=5) · PR Newswire
- 2023-07-14 [North Easton Savings Bank names Wagner as vice president, senior commercial lender - NEREJ](https://news.google.com/rss/articles/CBMif0FVX3lxTE5BTERURnBLekZhWHR2Vlh4VmVsbFlYNXRPblRwdS1EZHZadUZIdGxIOEYxS1JEc2J1bTBvUWU0aUFuajRXNVpqNWVmV1htc0ZOWFhnSUNLc2sta3NDV1Z2NmFLLTNZV1llejhlNUZiT0g2S3N6MkYxZ0dQQ09aSEk?oc=5) · NEREJ

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90259 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "90259", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide